Budgeting
News, Events, Resources, Tools & Advice
12 Steps to Financial Wellness – Step 8: Know When and How to Indulge
Financial wellness isn't a life sentence of deprivation and endless restrictions. Discover Step 8 of our series, and learn how to use a personal "fun allowance," audit your impulse purchases with four critical questions, and permanently break free from spending guilt. Continue reading
12 Steps to Financial Wellness – Step 7: How to Pay Yourself First
Paying yourself first isn't about restricting your lifestyle—it's the ultimate form of long-term self-care. Discover Step 7 of our Financial Wellness series, and learn how to run the math on your short-term emergency goals and automate your paycheck transfers using ATFCU's digital banking app. Continue reading
12 Steps to Financial Wellness – Step 6: Pay it Forward
True financial wellness means looking far beyond our own account balances. Discover Step 6 of our series, and learn how automated giving envelopes, handwritten thank-you notes, and hands-on volunteering with local organizations allow us to use our blessings to enrich our community. Continue reading
12 Steps to Financial Wellness – Step 5: Practice Mindful Spending
Mindless impulse shopping can derail the most beautifully organized household budget. Discover Step 5 of our Financial Wellness series, and learn how the 48-hour cooling-off rule and a quick digital boundaries audit can protect your wallet and your peace of mind. Continue reading
How to Create a Budget in 6 Easy Steps
Want more financial freedom to do the things you love? Skip the paper receipts and discover six simple, digital-first steps to mapping your income, prioritizing your needs, and using our built-in Money Management app tools to take total control of your budget. Continue reading
Budget Bootcamp
Getting your budget under control actually starts with organizing your home. Discover the story behind The Busy Budgeter, why messy kitchen routines drive up expensive dining-out habits, and how to use our digital banking tools to stop hidden cash leaks for good. Continue reading
Your Financial Roadmap: Where to Start When You Want to Improve Your Money Habits
Feeling overwhelmed by your financial goals? Don't try to fix everything at once. Discover our master financial roadmap to break down budgeting, debt payoff, emergency savings, and retirement into simple, actionable milestones. Continue reading
12 Steps to Financial Wellness – Step 4: Have the Money Talk with Your Partner
Discussing money with your partner can feel intimidating, but it doesn't have to trigger an argument. Discover Step 4 of our Financial Wellness series, and learn how to use joint visions, custom digital slush funds, and equitable bill-splitting to align your relationship. Continue reading
12 Steps to Financial Wellness – Step 3: Pay Down Debt
Consumer debt can feel like an inescapable bottleneck, but it can be outsmarted. Discover Step 3 of our Financial Wellness series, walk through five practical phases to organize your accounts, and learn which dangerous debt-settlement shortcuts to avoid. Continue reading